Cheaper 2014 Volkswagen Jetta SportWagen Insurance Quotes

Are you tired of robbing Peter to pay Paul to buy car insurance? You are no different than many other consumers.

Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider to find the lowest rate possible.

It’s a great practice to get comparison quotes before your next renewal due to the fact that insurance prices are adjusted regularly by insurance companies. If you had the lowest price for Jetta SportWagen coverage a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates is easy if you know what you’re doing. But car owners need to have an understanding of the methods companies use to market insurance on the web and use this information to your advantage.

The quickest method we recommend to compare car insurance company rates is to realize most of the bigger providers participate in a system to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details including whether you drive to work or school, daily mileage, if you have a valid license, and if the vehicle is leased. The rating information is instantly submitted to many different companies and they return rate quotes almost instantly.

Advertising and auto insurance

Big name companies like State Farm, Allstate and Geico regularly use ads in print and on television. They all seem to make the point about how much you will save if you move your coverage. How does every auto insurance company make the same claim? It’s all in the words they use.

Companies have specific characteristics for the type of driver that makes them money. For instance, a desirable risk might be described as between the ages of 40 and 55, has a clean driving record, and the vehicle is rated for pleasure use. Anyone that meets those criteria may get the lowest car insurance rates and as a result will probably save when switching.

Insureds who are not a match for the “perfect” profile will probably have to pay a higher rate which results in business not being written. The ads state “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can make those statements. Because every company is different, drivers must do a rate comparison at every renewal. It’s just too difficult to predict which company will fit your personal profile best.

Components of your Volkswagen Jetta SportWagen insurance prices

Many factors are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are more obscure such as your marital status or how financially stable you are.

  • Lower rates come with age – Older people have been proven to be more responsible, tend to cause fewer accidents .Inexperience drivers are known to be careless and easily distracted behind the wheel so they pay higher auto insurance rates.
  • Policy add-ons may not be needed – There are many additional extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like rental car coverage, accidental death, and Farm Bureau memberships are examples of these. The coverages may be enticing when buying your policy, but if you don’t need them consider taking them off your policy.
  • Responsible credit equals lower prices – Having a bad credit rating can be a huge factor in determining your rates. So if your credit rating is low, you may save money insuring your 2014 Volkswagen Jetta SportWagen by taking the time to improve your credit score. Drivers with excellent credit tend to be better risks to insure than drivers who have poor credit scores.
  • Pay less with a high crash test rating – Vehicles that have high safety ratings tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims which can mean better rates for you. If the Volkswagen Jetta SportWagen is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Employer reflects on auto insurance rates – Careers such as military personnelair traffic controllers and financial analysts tend to have the highest rates because of high stress and lengthy work days. On the flip side, professions such as professors, athletes and homemakers get better rates for Jetta SportWagen coverage.
  • Where you call home is a factor – Living in less populated areas of the country can be a good thing when shopping for auto insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. City drivers regularly have more auto accidents and much longer commute distances. Longer commute distances means higher likelihood of an accident.

Are you getting every discount?

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be asked about before you get the savings.

  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • One Accident Forgiven – Not a discount per se, but companies like State Farm and Progressive will allow you to have one accident without raising rates so long as you are claim-free for a set time period.
  • Multi-car Discount – Purchasing coverage when you have more than one vehicle with one company qualifies for this discount.
  • Active Military Service – Having an actively deployed family member may qualify for rate reductions.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
  • Include Life Insurance and Save – Insurance carriers who offer life insurance give a lower price if you buy some life insurance in addition to your auto policy.
  • Buy New and Save – Buying a new car model can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But any discount will lower the cost of coverage.

Larger insurance coverage companies and their possible discounts are:

  • Travelers offers discounts for save driver, good student, payment discounts, driver training, and continuous insurance.
  • 21st Century includes discounts for defensive driver, early bird, theft prevention, anti-lock brakes, student driver, and automatic seat belts.
  • State Farm offers premium reductions for good student, good driver, Steer Clear safe driver discount, driver’s education, Drive Safe & Save, and student away at school.
  • Geico policyholders can earn discounts including good student, membership and employees, driver training, five-year accident-free, and anti-lock brakes.
  • SAFECO may have discounts that include safe driver, drive less, bundle discounts, accident prevention training, anti-lock brakes, homeowner, and teen safe driver.
  • AAA discounts include multi-car, pay-in-full, multi-policy, AAA membership discount, and anti-theft.

When getting a coverage quote, ask every company what discounts are available to you. All car insurance discounts may not be offered in your area. If you would like to view insurance companies offering insurance coverage discounts, click here to view.

When in doubt talk to an agent

When it comes to buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine whether you will benefit from professional help.

  • Should I carry comprehensive and collision coverage?
  • Am I covered if hit by an uninsured driver?
  • What is PIP insurance?
  • Does coverage extend to Mexico or Canada?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my car insurance cover rental cars?
  • When would I need rental car insurance?
  • Am I missing any policy discounts?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Information about specific coverages

Having a good grasp of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta SportWagen.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for things like X-ray expenses, rehabilitation expenses, doctor visits, pain medications and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, a broken windshield, hitting a bird, hail damage and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability car insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as attorney fees, medical services, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Save for a rainy day

Throughout this article, we presented some good ideas how to shop for 2014 Volkswagen Jetta SportWagen insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper insurance coverage. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

When searching for cheaper insurance coverage quotes, do not buy less coverage just to save a little money. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

More detailed car insurance information is located at these sites: